Mortgage Pre-Approval Document Checklist
Most pre-approvals stall on one missing document. Gather these before we talk and a lender can usually give an answer within a few business days.
- Pick how you earn income and the list changes to match.
- Photos or PDFs are fine. Full pages, all four corners visible.
- Two applicants? Each person needs their own set.
Not sure something applies? Text me at (226) 791-1576. A photo of the document is enough.
How do you earn your income?
Choose every one that applies.
Your situation
Common mistakes
- Screenshots of the top of a bank statement. Lenders need every page, including blank ones.
- Large unexplained deposits in the last 90 days. Keep a note of where each came from.
- Changing jobs, financing a car or opening new credit between pre-approval and closing.
- Expired ID. Check the date before you send it.
What happens next
Send everything by email or text. I review it the same day, submit to the lender that fits your situation, and you get a written pre-approval, typically valid 90 to 120 days with a rate hold. No cost, no obligation, one credit check.
This checklist is general information, not a guarantee of approval. Lenders may request additional documents. All mortgages are subject to lender qualification and approved credit (O.A.C.). Melod Nawabi, Mortgage Agent (Level 1), Licence ON-M26000429 · Pineapple Financial Inc., Brokerage Licence #12830.